Credit Cards · District of Columbia
18 credit unions in District of Columbia report credit card APRs to the NCUA. Rates range from 6.99% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
18
CUs Reporting Rates
6.99%
Lowest Card APR
11.56%
State Average APR
2
Cities Covered
18 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | HUD WASHINGTON | 6.99% | 10.00% |
| 2 | F R B Washington | 9.44% | 13.93% |
| 3 | LIBRARY OF CONGRESS Washington | 9.75% | 10.75% |
| 4 | GOVERNMENT PRINTING OFFICE Washington | 9.90% | 7.75% |
| 5 | PEPCO WASHINGTON | 9.99% | 12.50% |
| 6 | ADVANTAGE FINANCIAL WASHINGTON | 10.24% | 11.49% |
| 7 | IDB GLOBAL WASHINGTON | 10.75% | 9.75% |
| 8 | DEPARTMENT OF THE INTERIOR Washington | 11.00% | 9.25% |
| 9 | DEPARTMENT OF COMMERCE Washington | 11.09% | 8.91% |
| 10 | TREASURY DEPARTMENT WASHINGTON | 11.50% | 11.52% |
| 11 | EP Washington | 11.53% | 12.95% |
| 12 | DEPT OF LABOR WASHINGTON | 11.76% | 13.11% |
| 13 | GSA Washington | 11.88% | 7.49% |
| 14 | O.A.S. STAFF Washington | 12.75% | 13.75% |
| 15 | DC Washington | 13.09% | 13.71% |
| 16 | DISTRICT OF COLUMBIA TEACHERS Washington | 13.50% | 11.44% |
| 17 | BANK FUND STAFF WASHINGTON | 14.99% | 8.20% |
| 18 | WRIGHT PATMAN CONGRESSIONAL WASHINGTON | 18.00% | 11.49% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in District of Columbia accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in District of Columbia offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.